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  • Tim Rutherford

Teen Insurance Sharonville, Ohio

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Why is car insurance for teens so expensive?

Teen car insurance is so expensive because teenage drivers pose a big risk to insurance companies. There are many reasons why teens tend to be dangerous behind the wheel — and why they tend to pay a lot for car insurance:


Inexperience

Teens are new to driving. They're more likely to make mistakes behind the wheel. According to the National Highway Traffic Safety Administration, 75% of serious accidents involving teens are due to “critical errors.”


More accidents

Inexperience leads to mistakes, and mistakes lead to accidents. Teen drivers get into a lot of accidents — 14% of all police reported accidents involve a teenage driver, according to the Virginia Tech Transportation Institute.


Crash severity

Not only do teenagers crash more often than older drivers. The accidents they are involved in are usually more serious. In 2017, an average of six teenagers died every day due to car accidents. Drivers between the ages of 16 and 19 are three times more likely to be in a fatal car accident than those over the age of 20.


Immaturity

The human brain doesn't stop developing until the mid-to-late 20's.


Frequent citations

Teens rack up tickets and citations.


Distraction

A 2015 AAA study of 1,700 teen driver accidents found that distraction was a factor in 58% of accidents. Not just using the cell phone either! Adjusting the radio, checking out your reflection and talking with a passenger all count as distractions. Teens are simply more vulnerable to distraction while driving.


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